NBT Bancorp Inc. (NBTB) vs WaFd, Inc. (WAFDP)
A side-by-side comparison of NBT Bancorp Inc. and WaFd, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — NBTB vs WAFDP
growth of $100 · dividends reinvested · last 6yNBTB vs WAFDP: by the numbers
- •NBTB is the larger company ($2.63B vs $2.56B market cap).
- •WAFDP trades at the lower trailing earnings multiple (4.70 vs 12.40 P/E), one valuation lens rather than an overall verdict.
- •NBTB converts more revenue to profit (22.65% vs 18.47% net margin).
- •WAFDP grew revenue faster over the past five years (16.67% vs 14.08% CAGR).
- •WAFDP pays the higher dividend yield (7.92% vs 2.95%).
Metrics side by side
Valuation
| Metric | NBTB | WAFDP |
|---|---|---|
| P/E ratio | 12.40 | 4.70 |
| Forward P/E | 12.12 | 4.37 |
| PEG ratio | 1.76 | 1.53 |
| P/S ratio | 2.78 | 1.85 |
| P/B ratio | 1.35 | 0.94 |
Profitability
| Metric | NBTB | WAFDP |
|---|---|---|
| Operating margin | 29.34% | 23.63% |
| Net margin | 22.65% | 18.47% |
| ROE | 11.02% | 8.49% |
NBT Bancorp Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
WaFd, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | NBTB | WAFDP |
|---|---|---|
| Dividend yield | 2.95% | 7.92% |
| Payout ratio | 37.01% | 37.27% |
Growth (annualized)
| Metric | NBTB | WAFDP |
|---|---|---|
| Revenue CAGR (5Y) | 14.08% | 16.67% |
| EPS CAGR (5Y) | 6.92% | 3.16% |
| Total return CAGR (5Y) | 10.28% | -3.07% |
Frequently asked
- Which has the lower trailing P/E, NBTB or WAFDP?
- WAFDP has the lower trailing P/E: NBTB trades at 12.40 and WAFDP at 4.70. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, NBTB or WAFDP?
- Over the past five years, WAFDP grew revenue faster — NBTB at a 14.08% CAGR versus WAFDP at 16.67%.
- Does NBTB or WAFDP pay a bigger dividend?
- NBTB yields 2.95% and WAFDP yields 7.92% based on trailing dividends and the latest price.
- Is NBTB or WAFDP more profitable?
- NBTB runs the higher net margin — NBTB at 22.65% versus WAFDP at 18.47%.
- How have NBTB and WAFDP total returns compared?
- Over the past 5 years, NBTB delivered 10.28% and WAFDP delivered -3.07% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
NBT Bancorp & WaFd appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.